B9 User Reviews

B9 - Cash Advance

B9, Inc.

Finance

Reviews Summary

Positive highlights

💳

This app hasProvides a debit card with 5% cashback on purchases

🔍

This app hasOffers credit checks and tax season synchronization

🚀

This app hasAllows for early paycheck access (up to 15 days)

💰

This app hasProvides cash advances up to 100% of average paycheck

🔒

This app hasSecure and trusted banking platform

🤝

This app hasHelpful and responsive customer support

💸

This app hasNo interest charged on cash advances

🕰️

This app hasReceives paycheck 2-3 days earlier than normal

Negative highlights

💳

This app hasCharges fees for digital wallet and P2P transactions

🔒

This app hasInability to be Plaid verified

💰

This app hasMandatory tip added after a few months

🕰️

This app hasOnly allows 2-week intervals between payments, which can be an issue for monthly pay

💰

This app hasCharges monthly service fees

🔒

This app hasDifficult to cancel subscription and close account

💰

This app hasAutomatically deducts advances from any deposits, leaving users penniless

🕰️

This app hasDelayed access to funds due to issues with direct deposit setup

Top reviews

Most RecentHighest RatedLowest Rated

Fees for EVERYTHING!!!

I got charged $20 when I transferred $650 to cash app to pay my rent. There’s a $10 fee every month unless you make over $5K every check. There’s atm fees and fees for just about everywhere you go. I will not be using this bank for much longer as I’m transferring to a better financial bank! I hope everyone will read these 1 star reviews and really consider their decisions. I only decided to use this banking because of the advance option which I have not used and plan on not using due to fees! Half of the time I’m scared to ask my friends to send me money to get them what they want because of fees left and right or to even move my money to cash app because of these dumb fees! They are taking money from you whether you know or not! My best advise for anyone that is looking for a trust worthy bank that is already financially struggling go with int or any other bank EXCEPT B9!!!!

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Buick007

6 months ago

Response from developer

Thank you for your review. We’re sorry to hear about your concerns regarding fees. At B9, we always offer a 0-fee transfer option via ACH, which typically takes about one day. For faster transfers, there is a commission. You are correct that after $5K in monthly direct deposits, there is no subscription fee. To minimize fees, we recommend using your B9 card for daily transactions to earn cash back and taking advantage of our no-fee ACH transfers. If you have any further questions or need assistance, please contact our support team at support@bnine.com. We appreciate your feedback and hope you will give us one more chance.

Great option

If you are looking for a safe and secure account. This one is where you can stop looking. Getting a B9 account is very helpful and secure. You don’t even have to get money right away to set it up and verify it. You can set it up and then find it once you decide how much of your employment check you want to put into it. After a certain amount of you run low on funds due to emergency they will loan you money towards your next check deposit. Don’t ever have to worry about making a payment back because they will withdraw it immediately from your Check to make it easy on time to set a reminder. They will also send a reminder message so you don’t forget. So if you anything like me, forgetful if you don’t set a reminder, they will definitely remind you so you won’t look at it and be like omg someone took x amount of money from my check. Thank you B9 for all of your help in keeping everything safe and secure.

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mechelle712

7 months ago

Response from developer

Thank you for your fantastic feedback! We’re thrilled to have you with us. The B9 Team

I love this bank

I have had many different types of credit building/advance pay apps but this is an actual bank with debit cards. They’ll even issue a virtual card until your physical debit cards arrives! Since day one I have had access to my money. I recently took out an advance just to see if it really is as advertised and it is. It was easy and the money was deposited immediately into my account. I am a permanent user now, and I came from Current bank, and I also use Wells Fargo and the fees at B9 are lower in my opinion. Also, my paycheck arrived 4 days early. I’m paid on the 7th and 22nd, and my checks have been depositing the 2nd and 18th!!! Can’t complain about that.

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KimEarnheart

7 months ago

Response from developer

We appreciate your feedback! It's great to know that B9 could positively impact your financial journey.

Pretty easy

I use this app as a savings basically. I put a portion of my check into it and it’s slightly difficult to get money out. I can putt under $100 to my cash app or to make purchases but it typically declines if it’s over 1-200. Sounds bad, but I enjoy not being able to spend the money so easily.
It may be a setting issue with my account so don’t think it’s not worth it. I just haven’t cared to look into it yet since I’m hiding money from myself here!

App is very easy to use and you can take out advances, they are not large amounts but can help with some gas or groceries.

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Curtis 44

7 months ago

Response from developer

Thanks for your kind review! We're so pleased that B9 could offer a positive experience.

Just another Yankee app

Like so many other people say ask for zip when we got an area code it’s useless

Blayne gf

7 months ago

Scam

This app is pretty much useless if you live in Canada it asks you for a U.S Zipcode

ElliotTheRedHusky

7 months ago

B-9 a cpl years Review in One

It started as a almost poorly designed app with not much for customer service. But now it has evolved into the almost perfect internet bank; except for the inability to be plaid verified.. CUSTOMER SERVICE HAS STEPPED IT UP A FEW NOTCHES; More nice little add ons and payday loans no interests but after a few months the mandatory tip popped in and the service charges take over a little bit higher rates then they should.. but I still use it; a cpl years now. I hope they do a few more thing for their customers ease and convenience; but I recommend to anyone that ever needs their money a few days faster than everyone else; and a cash advance. They do only allow 2 week inbetween payments so if ur paid once a month thru benefits u will get a smeared record for that fact. That is the only reason I gave them less stars. But I am eager to see if they give me a reason to give them 5 stars in the upcoming months

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FaustineEffie

8 months ago

Response from developer

Hi, Faustine. Thank YOU so much for being B9 client! We really do work hard to make sure our customers get the best service possible — especially with things like early paycheck advances. Comments like yours validate all that hard work and we really appreciate it 🙏

Pros and Cons

B9 has offered me $5 to rate them, so here goes. Like anything else, this app has pros and cons. It does advance funds if your direct deposit is connected to your account. However, beware of the $2.50 charge every time you use a digital wallet, or any kind of p2p transaction on any app. I had my account with B9 well before they started charging for these, and was never notified about it until I started noticing all of these random $2.50 transactions in my account. When I contacted customer service, they informed me that it’s listed on their website under the terms and conditions. I explained to them that was not the case when I signed up. At that point, they changed direction and claimed an email was sent to all account holders explaining that all digital wallet transactions would carry a charge going forward. I never received any email of the sort and am very unhappy with the way my money has been taken in this manner from the company I trusted with my hard earned funds without any notice whatsoever.

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Daydreamer739

a year ago

Response from developer

Dear MaHog159, Thank you so much for your sincere review, and for being with us for such a long time. It's users like you that drive our product forward. A genuine review from a long-time user is exactly what we value most! We highly prioritize being open and transparent with you, and our team would be delighted to help you pinpoint the exact date and time when the notification email was sent, should you wish. Once again, a huge thank you for your feedback – only users who have been with us for a while can provide such insightful and nuanced insights into our product. Ping me direct if you have any other questions, B9 Customer Support Supervisor. susan@bnine.com The B9 team

B-9 a cpl years Review in One

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FaustineEffie

a year ago

Response from developer

Hi Faustine, love that you love the app! 3 stars means we can work towards 4 and we're always working to be better.

Easy to use

I have been a user of the b9 app for about 6 months now and have found it to be easy to use. I have my pay direct deposited to my account which was very easy to set up. I put my information in and they set up my direct deposit up with my payee automatically. I receive my money two to three days early every month which is great. The fees are very reasonable and you are able to withdraw 1000 dollars a day with two withdrawals free. You can transfer money by ach to other bank accounts for free in a matter of a couple of days or instantly transfer money for a small fee if needed. You get a visa debit card that is chip enabled that I have not had any problems using. I am a very happy customer of this company and would recommend to all.

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keithaslater